Comments on: 3 Financial Tips for Young Adults

By: Jerome Stealy

Jerome Stealy — Sat, 15 Sep 2012 23:38:22 +0000

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By: Giuseppe Hoyt

Giuseppe Hoyt — Mon, 20 Aug 2012 00:45:44 +0000

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By: Monicaaraujo

Monicaaraujo — Thu, 02 Aug 2012 11:18:42 +0000

You can do half and half it doesn’t have to be either or. I think the most logcial thing is to get rid of the debt you have which will automatically free up more cash to sock away for your down payment. You’re still going to have a mortgage AND your credit card payments if you only use the available money for a down payment so what’s the point. The mortgage rate of interest is gonna be ALOT less than the credit card interest. Your credit rating won’t automatically jump but you’ll have a better debt to income ratio by paying the cards off so that’s the direction that I would suggest. Your home purchase will alot more than just a mortgage taxes, insurance, maintenace, PMI, etc. so make sure you have all that covered. The best way to insure it is to get rid of the other payments you have now and then concentrate on making payments on the home and doubling up when you can.

By: Jerri

Jerri — Wed, 01 Aug 2012 21:59:52 +0000

the answer to that ddnepes on your current credit score and the factors affecting it. you need to meet with a reputable mortgage loan officer, have your credit run and go over your finances (income and assets) with them. if, with the scores the way they are, you qualify for a new mortgage while carrying the debt then the choice is yours. if not, the loan officer should run a program called a credit analyzer which will tell you what debt to pay down and how much to pay and approximately what difference you can expect in you credit score. the goal of raising your score is to have you qualify for ALL future credit (your new mortgage, future credit cards, car loans and leases etc) at the lowest rate possible.keep in mind, many lenders are now eliminating no down payment and small down payment programs and many of the ones that are left require higher credit scores so the meeting with the loan officer and determining how best to use your money is a must. sometimes even a slightly larger down payment can make a big different in your rate / payment.

By: Janice Boiler

Janice Boiler — Mon, 25 Jun 2012 09:03:11 +0000

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